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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,394 | $81,504-32.0% | $102,437-45.9% | $80,959-31.6% |
| Participation rate | 83.3% | 66.9%+16.5pp | 74.5%+8.8pp | 67.7%+15.7pp |
| Annual return | 8.34% | 25.60%-17.3pp | 24.95%-16.6pp | 35.67%-27.3pp |
| Employer contribution / active EE | $801 | $3,104-74.2% | $3,871-79.3% | $2,757-71.0% |
| Participant deferral / active EE | $3,297 | $3,871-14.8% | $5,060-34.8% | $4,300-23.3% |
| Admin fee / account holder | $898 | $6,719-86.6% | $8,388-89.3% | $6,925-87.0% |